LloydsTSB (merged)

Edinburghlass_2

catwomen wrote:

Hi there
I,ve received a letter today acknowledgment of service. Also today I,ve checked my bank account and had a ex gratia payment go in.
What should I do?
Can I spend it?

This seems to be standard practise for Lloyds now, you need to write back and accept it in partial payment and say you are continuing with your claim, provided you are of course.

deedee2665

I have just been told that the ombudsman is giving banks 40 day to reply for the first claim letter (not for your statements) ive already got them . Is this right has anyone heard anything about this ?

Thanks

Deedee

feedering

deedee2665 wrote:

I have just been told that the ombudsman is giving banks 40 day to reply for the first claim letter (not for your statements) ive already got them . Is this right has anyone heard anything about this ?

Thanks

Deedee

No its 14 calender days to reply.

deedee2665

Thats what i told them and she wouldnt bugde at all .

Edinburghlass_2

Who are you talking to though. If the FO is doing the claim for someone they may well give the banks 40 days to reply.

deedee2665

I talked to lloydstsb on the phone , i asked them if they had made an offer yet as they got my letter last week (i sent it recorded delivery) and they have got it , but are insistant that they have 40 days to reply to it . She said thats what the banking obudsman is saying .

Edinburghlass_2

Right, that is standard from Lloyds so if they haven't replied in your timescale you then go on with the next letter.

laurajayne

Hi all,

Just wanted to tell you of my recent victory against Lloyds TSB for £1239, and I didn't use the court route :beer:

I used the Financial Ombudsman route, and asked them to investigate my complaint (after I'd sent the preliminary letter to Lloyds requesting the charges back). I downloaded their complaint form, and enclosed a copy of my letter and their reply refusing, and a breakdown of charges. This was returned to me, stating that they give Lloyds a chance to sort it out before they will formally get involved, and that I should hear from Lloyds in 8 weeks.

I did (yesterday) and they've offered a 100% refund (which has appeared in my account today :j )...and i only had to fork out for the postage!

You can use the FO before court...but not the other way. I figure it's a way to try, if, like me, you can't afford the Moneyclaim fee straight off.

jamesOMGthatsbig

can I claim back the £10 a day interest that I've been charged for being over my overdraft as that is going to add up to a good few hundred pounds on its own.
I've got a phone number for the LTSB customer service recovery centre in Andover 01264 832297 fax 01264 832238 , but when I tried calling them the phone was engaged.

tiamai_d

Letter from llyods dated the 25th feb. after I sent my letter asking for my £216 back.

Thankyou for getting in touch with us. i am sorry you are unhappy about your account charges.

Like any buisness, we do make a charge for some of our extra services. When customers dont't have enough in their accounts to cover a payment, this always means extra work - and it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell customers we cant agree it. We feel its fair to charge for this service.

Of course its only fair too, taht were completely open about any charged-for services before you take them up. Thats why we take care to give every new customer the latest guide to our charges. You can also get uptodate details about fees and borrowing rates at all our branches, through our helpline and on our website.

(we help our customers avoid bla bla)

You've mentioned the new guidelines from the office of fair trading on credit card default charges. We dont agree with the OFT's thinking on this and were still talking it through with them. But the important point is that the guidelines are about 'default' charges that people pay when they break an agreement with us. The fees we charge are for dealing with your request to go over your agreed overdraft limit are not default charges becauseyou havent broken your agreement. they are our prices for teh service we provide in these situations.

I do hope you can see that we make our charging system as fair as possible - and why I cnat agree to cancel your charges.

Please let me know if there is anything else i can do. If we cannot come to an agreed solution after this I will help you refer your complaint to teh financial Ombudsman Service for independent advice.

(If your happy, file will be closed ect)

Debbie Gilbert, team manager, customer service recovery centre Andover.

************************* ************************* *

Oh well I didnt know the charges were for a service they provide, that makes extra work for them.... wow it must be so hard for computer to go 'not enough money so no Direct debit, you can not be taken out!'.

and isnt it cute how they are 'talking it through with them' over the OFT saying these charges are unfair!

So, letter saying, 'Im a full grown woman, not an 8 year old', or just go ahead with court action?